Defensive Driving Techniques for Your Volunteer Drivers

The elderly population is growing exponentially with many unable to drive themselves anywhere. As part of the mission of your organization, you may want to start offering volunteer transportation. In addition to a volunteer auto liability policy, these defensive driving techniques can keep both volunteers and those in need safe on the road.

Cushion Spacing

The insurance firm VIS states that defensive driving should be included in the volunteer association’s risk management strategy. One way to drive defensively is to maintain a cushion of space between cars. Avoid following too closely behind another driver. Their sudden movements may give the volunteer driver too little space to respond quickly.

Distracted Driving

Smartphones have proven invaluable to many businesses, but volunteer drivers should remain off of them while on the road. Not only do many state tickets distracted drivers, but they remain one of the top reasons for traffic fatalities. Distracted driving includes anything that pulls their attention from the road including cell phones, food, and drinks.

Proper Speed

Make sure that volunteer drivers maintain proper speeds on the roadways. With 1/3 of all fatal accidents the result of excess speed, it is imperative that drivers remain cautious and abide by the posted speed limits.

Volunteer auto liability comes into play should an accident occur. Defensive driving techniques can help keep the driver safe and passengers safe while lowering the risk of an accident.

Why Staying Informed on Insurance Matters

Business insurance plays a big part in whether or not your company sees the success you desire. While selecting the right insurance is a big step, there is also a lot of upkeep required to ensure you are doing what’s right by your company. Staying informed is a key way of understanding the changes happening in your industry. Directories like Program Business can help immensely in this regard. If you’re wondering what is Program Business, look over this information to learn more.

Endless Information

As showcased on https://www.programbusiness.com/, there are a number of useful features available to insurance providers and business owners. First, Program Business features a comprehensive list of insurance agents and agencies. This can be a huge asset in and of itself. What’s more, the site also features the latest insurance news. Topics covered on the site include:

  • Acquisitions and mergers
  • Changing laws related to insurance
  • Distribution changes and data

Staying Informed Matters

Having an in-depth understanding of the current landscape of the insurance industry can be a huge help. When you know the latest changes sweeping the insurance world, it can provide you with the insight you require to make the best decisions for your own business moving forward. Take time to explore the information provided on sites like Program Business to learn more about what’s out there.

Protecting Your Boating Hobby

When you have the warm sun on your face and a breeze in your hair, you aren’t worrying about what will happen if your boat gets into an accident. Unless you live in a state that requires vessel insurance, you may not have taken out a policy to address the liabilities of your hobby craft. However, the right insurance will make a big difference in your ability to sail worry-free.

Coverage Inclusions

With boat insurance, a policy could provide the financial coverage when damage occurs to your boat or parts of it equipment, as well as damage your boat might bring to other boats or property and any bodily injuries that may occur due to an incident involving your boat. Vessels that are usually eligible for coverage include both engine and sail-powered crafts, but vessels that are usually excluded are personal watercraft, such as:

  • Wave runners
  • Wave jammers
  • Jet Skis

Why a Special Policy?

Although boat insurance isn’t always required, the expert information found at www.wqis.com/ advises that you purchase a stand-alone policy rather than relying on your homeowner’s insurance to cover potential damages. While there may be some inclusions of your craft on your other policy, boat insurance lets you specialize in your protection and guarantee financial security when an accident occurs. Paying for the repairs of your boat, someone’s medical bills or the costs associated with legal action could destroy your life’s savings. Don’t’ sail into a disaster; purchase boat insurance.

Risks in the Dry Cleaning Industry

Successfully running your own dry cleaning business takes a lot of hard work and persistence. It also requires you to be properly prepared for the risks you face as the owner. Here are some of the main dangers that you should know about and what you can do to protect your business from them.

Business Risks

The most important risks that involve your business include the following:

  • Equipment failure
  • Property damage
  • Theft or vandalism
  • Fire
  • Injuries

These issues and others may arise as a result of a number of factors, such as natural disasters, power outages, excessive chemicals on clothing and inclement weather. No matter how careful you are, running into trouble while doing your job is inevitable.

Staying Protected

While it’s impossible to shield yourself from every potential risk, you can do your part in keeping your business safe by investing in the right dry cleaners insurance program. The insurance firm Irving Weber Associates, Inc. reports that you can properly protect your business by finding coverage that is specifically catered to your needs. This ensures that the insurance program you choose is most appropriate for your business.

Protecting yourself from risk allows your dry cleaning business to succeed in the face of adversity. Be sure to look into the coverage that most closely matches your needs and goals to be fully prepared for anything.

Three Things To Remember When You Move Into A Condo

Purchasing your first condo is no joke; after all the hell and high water that you’ve taken to get the keys, finally moving in is one of the most exciting days of your life. Don’t forget about some of the realities of moving into a condo, however.

Have Insurance In Place

Insurance is a must-have no matter where you live, and condos are no different. If you’re curious about condo insurance specifics and what different packages are offered, look at the data found at Byrnes Agency Insurance to help guide you along.

Be Mindful of Neighbors

Living within close proximity to other people is always a challenge, but courtesy and remember to think about others during your daily life goes a long way. For example, running the vacuum at two AM might be convenient for you, but your neighbor’s sleeping baby might not feel the same way.

Have A Clear Understanding of Fees

On top of rent and insurance, other fees are likely lurking somewhere in your monthly payment: HOA fees, for example, or other small payments you may be making. If you have questions, head to your condo’s office and have someone break it down for you.

Better than an apartment but less work than a house, a condo can make a fantastic home. Don’t wait until it’s too late by knowing what you’re getting yourself into when you move in.

Rent Default Insurance Coverage

When it comes to concerns related to becoming a landlord, there are few greater worries than that of not bringing in rental income. Most people can’t afford to miss one month of rental income, let alone six months to a year. And unfortunately, this is more common than one might think. The good news is that loss of rent insurance can be found on such sites as https://www.rentrescue.com. While it may not cover all rental income losses, it does cover a lot of them.

Tenant Abandonment

There are several reasons why a tenant may abandon their rental property. Some of these reasons include:

  • Military Deployment
  • Family Emergency
  • Serious Illness
  • Imprisonment
  • Death

Although individual policies vary, loss of rent insurance may pay anywhere from 1 – 6 months of lost rent under these kinds of circumstances.

Eviction

Evictions happen, and they happen for a number of different reasons that range from selling a property to not adhering to noise curfew regulations. Under some circumstances, landlords may get reimbursed for the total amount of rent after a resident is evicted.

Legal Fees

Landlord and tenant arguments sometimes lead to legal action, which comes with pretty hefty fees. Whether it’s attorney fees, filing fees or court costs, an insurance policy could help with some of these expenses.

Insurance for Supermarkets and Grocery Stores

If you’re a supermarket industry veteran or executive, you probably already know a thing or two about a supermarket insurance program. If you’re new to the industry or the executive world, however, here’s a quick primer on this type of program.

Accident and Loss Coverage

The supermarket industry is rife with loss and risk. A supermarket insurance program typically covers the following accidents and losses:

  • Customer injuries
  • Food spoilage
  • Hepatitis
  • Power failure
  • Shoplifting

The types of coverage include, but are not limited to, the following:

  • Business auto (hired and non-owned)
  • Property and liability
  • Umbrella
  • Workers’ Compensation

Druggist and liquor liability may also be available to supermarkets and grocery stores that sell pharmaceuticals and beer and wine.

Risk Management and Accident Prevention Services

Many supermarket insurance program providers not only specialize in coverage for accidents and losses but also offer risk management services and accident prevention measures. According to Smithtown, New York-based insurance industry leader Irving Weber Associates, Inc., these additional services help clients to increase the safety of their retail spaces and reduce insurance claims.

Learn More

If you seek a supermarket insurance program, contact a licensed provider in your area. Most providers will work with you to create a coverage program that fits your operation’s unique needs and risk profile.

Deciding Who Pays for Severe Construction Damage

Contractors and those they work with face several liabilities with each job. There are many types of insurance policies that can apply to their duties, but there are only a few that offer coverage for the projects or buildings that are involved in an incident. COC insurance or course of construction is also known as the builder’s risk coverage. As the team at SB One Insurance Agency advises, contractors or owners should purchase this policy if they want to protect a construction project from risks associated with:

  • Theft
  • Vandalism
  • Fire
  • Flood
  • Unwelcome accidents

The Purpose of a COC

A course of construction policy is able to provide developers, general contractors, or owners peace of mind with their project. In the event of an incident that destroys or damages the building or structure, there is a guarantee of funds that can be used as the project is started over. A COC can cover several different parties, and although it can be obtained by either the owner, project manager, contractor, or engineer, it’s usually the contractor or owner that secure the policy.

With a COC policy, the named insureds are protected from having to pay for any losses at the job site out of their pockets. The insurance company provides the funds to the owner or contractor, making sure that the finances are there to finish the job in spite of the setback.

Financially Protect Employees from Workplace Injuries

Understanding the differences between an occupational accident policy vs workers compensation policy can help you choose the right plan for your business and employees. Both plans help protect against the lost wages incurred when employees are injured on the job. The benefits and differences between the plans can make a difference.

Occupational Accident

The insurance firm U.S. Risk Insurance states that not all companies understand the difference between the two plans. Occupational accident insurance puts the burden of proof on employers should the employee sue the company. Since the plans come with limits, they tend to cost less upfront with the employer responsible for covering anything over those plan limits should an incident occur. These plans are more customizable for the employer.

Workers Compensation

A guarantor protects the money in the workers’ compensation system that covers the lost wages and medical expenses the employee incurred. Employer liability is greatly reduced because the burden of proof falls on the employee in the event of a lawsuit. The cost is much higher than an OAI policy.

There are clear differences between an occupational accident policy vs workers compensation. Employers benefit from litigation protection measures and employees receive some financial protection caused by a workplace accident. However, it is important for companies to understand the differences to select the best one for them.

How to Protect Against Cyber Threats

In all industries, cyber risks are difficult to avoid. This is especially true in a care home or other medical facility. Here is how you can protect sensitive information.

Cyber Data Risk

In the healthcare industry, you have a lot of personal information on file. You have patient information, insurance information and payment information. It makes sense, in the age of technology, to have your data stored in a digital system. It is far more convenient than other methods. Of course, this also can leave some data vulnerable. In order to keep the personal and sensitive data safe, you need some form of security in place.

Cyber Data Security

IT professionals should understand the need for cyber security. There are a variety of security measures, including software and hardware solutions, according to the experts at Caitlin Morgan. There are a multitude of ways to focus on cyber security. On one hand, how to prevent security breach in a care home involves teaching your employees how to handle sensitive data. On the other, you may need specific programs that protect the data.

Cyber risk is real nowadays. With everything entered into a computer database and payments being electronically sent, you need to have a way to protect the data. When you look into cyber data security, you can find the right solutions.